Denise Krc Mortgage Loans

10/17/2026

🏠 New credit scoring models, and it could change your answer on buying a home.

✅ VantageScore 4.0 and FICO 10T are now on the table.

💡 Rent and utility payments can count toward qualifying too.

If you've been told no before or you've been waiting on your score, send me a message and we'll look at what these new models could do for you. Save this for when you're ready to start.

10/16/2026

The Celebration & Restoration of the historic Gegenworth House is almost here, and this is your LAST CHANCE to grab your tickets! 🥂🏡

Join us for an evening of great music, delicious bites, cocktails, and some incredible silent auction items—all while helping us bring new life and purpose to this beautiful piece of Columbus history!

10/16/2026

10/16/2026

A huge thank you to Renee Bates Copeland my AE with A Mortgage Boutique for inviting me to the Broker Bash in Nashville! ❤️

So much inspiration, learning, and great takeaways today! I’m leaving feeling motivated, full of new ideas, and excited to keep growing both personally and professionally.

✨ Directions determine destination.

And a great reminder that the little things matter! The small details, the extra effort, and the way we make people feel can make all the difference.

Here’s to continued growth, learning, and becoming better at what we do every day!

10/15/2026

Applied for a mortgage and suddenly your phone won't stop ringing?

That's not a coincidence. It's called a trigger lead, and it happens the second a lender pulls your credit.

✅ You can opt out. It's free, it's real, and it actually works.

DM me and I'll send you the opt-out link so you can focus on what actually matters... finding your home.

10/15/2026

A big appraisal change is coming in November 2026, and if you're planning to buy a home, you'll want to know about it.

📋 The old appraisal forms are being retired. A new system called UAD 3.6 is taking over for all Fannie Mae and Freddie Mac loans.

It's more detailed, more data-driven, and will probably mean slightly longer appraisal timelines at first while everyone gets used to it.

✅ The good news? It's actually a smart update that makes things more consistent across all property types.

No need to panic. Just build a little extra buffer into your timeline if you're buying around that period. Save this post so you remember it when the time comes.

10/14/2026

🏡 Just got the keys? Do these 3 things first.

📧 Make an email just for your house
💰 Start a home maintenance savings account
🛡️ Get term life coverage that pays off the mortgage

Small steps now, way less stress later. Save this for closing week or send it to a friend who's buying soon.

10/13/2026

Already under contract? Don’t touch your finances until you close.

These three moves catch first-time buyers off guard every single time, and they can cost you the home right at the finish line.

Save this so you have it handy between now and closing day.

10/13/2026

Most people don't know about the gap between closing on a house and your first mortgage payment... and it's actually one of the best opportunities to get ahead.

💡 One principal payment during that window can cut six months off a 30-year mortgage.

📅 One extra principal payment every year for the life of your loan? That's up to six years gone.

This is the kind of stuff nobody tells first-time buyers, and it makes a huge difference over time.

Save this so you don't forget it when you close on your home.

10/12/2026

"Date the rate, marry the house" sounds smart... until rates don't drop the way everyone expected.

Right now, the market is actually shifting in your favor as a buyer. That means real negotiating power you can use.

💡 You can ask the seller to cover closing costs, then use those credits to permanently buy your interest rate down.

No more hoping. No more waiting. Just a lower payment you can count on for the life of your loan.

If you're thinking about buying and want to know how this could work for your situation, send me a DM and I'll walk you through it.